Commercial Crime insurance

Crime insurance is never one-size-fits all.

Crime insurance, otherwise known as Fidelity insurance, protects businesses against financial losses arising from criminal activity such as embezzlement, forgery, vendor fraud, robbery and, depending on the policy, crimes related to cyber activity

Our specialist crime insurance team helps businesses of every size safeguard their operation, both locally in the UK and in more than 100 countries around the world.

We design programmes from the ground up to deliver the protection you need, tailored to meet your company's specific risk requirements.

Companies have wildly different exposure levels to potential criminality, with so many different factors at play. That’s why it pays to get an experienced broker to review your unique situation. 

Often we choose different policy elements from different suppliers, building them into a package that accurately caters for your real needs.

What does crime insurance cover? 

A good crime policy is more comprehensive than a traditional fidelity guarantee policy as it covers direct financial loss caused by fraud and dishonesty by; non-employees (criminal actors) and employees.

It will also cover loss perpetrated over an extended period of time but discovered during the policy period. 

What's not covered?

Fraudulent acts by partners and directors (unless specifically included) are usually not covered by standard policies.

Every organisation's needs are different, and crime insurance products are ever evolving. We can customise a risk solutions to suit your organisations growing needs.
 

Scenarios where robust crime insurance is important 

• Crimes where an employee is in collusion with a third party
• Situations where losses have taken place over a long period of time, but only discovered during the policy period 
• Cyber crime